To be clear, I have no problem with liability insurance. Everyone should have that. I also don’t have a problem with accident benefits. (Although I think the way they calculate rates is criminal, but that’s another story.)

My problem is with everything else, and in particular, collision insurance. Insuring your car, as a piece of property, is a scam. You can never use it! If you EVER make a claim, your insurance – not just collision, but also liability and accident benefits – will skyrocket. Your insurer WILL punish you and suck you dry to recoup their losses. So why even bother?

Yes, yes, I know you’re supposed to report all accidents (even minor ones) to your insurer, but let’s be honest, no sane person does that. If you can withhold that info, you absolutely should.

You have to have liability insurance here (which I agree is a good thing), but everything else on top of that (e.g. collision insurance) is optional.

Both. It’s all a scam. Buy the minimum insurance you can find. You can never make a claim anyways, lest your insurance become unaffordable or cancelled entirely, so why bother paying high rates.

Fair enough, although quite frankly, we should not be burning any gas. If we had upgraded and expanded our nuclear plants like many groups told us for many, many years, we wouldn’t have this problem

I’m disgusted to learn we are getting 1/3 of our power from gas. Fuck Doug Ford and all the anti-environmentalist cunts he employs.

What a shitty fluff article. You can only see the details once you subscribe to their shitty site.

TL;DR: Guy asked chatgpt what you can replace chloride with in salt, and it thought he meant chemistry, so it told him other halides like bromide. It did NOT recommend him to eat it. He inferred that on his own, and then gave himself a psychiatric illness by eating buckets of it.

This is an example of an unfortunate illness caused by human stupidity.

Don’t blame human stupidity on LLMs.

We ended up not needing it – serendipitously, a buyer materialized a couple weeks ago who is willing to pay list price :)

I have traveled extensively, and no, Hamilton is not particularly dangerous for a city its size. Neither is the rest of the GTA.

I’d be fine with traps to catch stunt driving, but cash grabs scamming people for going 50 in a 40 zone is petty nonsense.

You people are always so dramatic, and quite frankly, it does your cause a disservice. You make intersections and local roads sound like war zones.

The City of Hamilton was grossly incompetent in this, but what else is new. We have astronomical property taxes, and yet all we get is bloated bureaucracy, shitty service, and mass surveillance in the form of cash-grab speed cams.

Do you realize how many suicides and assorted anguish such a crash would cause?

I swear to gods, you people don’t really know how to think things through.

So do we just… fuck over all the renters living in landlord-owned units for the next 5-20 years while this cool new mass public housing is being built by all those extra construction workers we definitely don’t have a shortage of?

What is this supposed to prove?

I agree! However, it will take a lot of time and carefully crafted policy to make that happen, without perverse incentives appearing. In the meantime, we have to live in the real world and deal with landlords as a (hopefully temporary) fact of life.

Landlords are not philanthropists. You are not going to find a big group of homeowners who want to rent at a loss out of the goodness of their own hearts.

I would love if the government took strong measures to encourage home ownership and discourage treating real estate as an investment. Really, I would. But that will take many years of hard work and economics PhDs to concoct a plan that works. So, until we find a government with the balls to do that for real, we have to understand that dealing with landlords in a realistic way is a necessary evil.

Because if you nuke rentals without first ensuring people can afford to buy, all you’ll accomplish is to create a mass housing shortage worse than you’ve ever seen.

Good luck in your search! We’re very lucky to have actually just found a buyer for the full list price, but yeah, the market is rough right now

Well, with real estate in general, you can either sell fast at a lower price or wait and maybe get a bit of a higher price. But I agree, €1.4 is just not gonna happen, and it’s too risky to stay in that market much longer anyways.

Crossings can be easily improved to reduce this by adding buttons and flashing lights, and having a delay on the walk sign so cars have plenty of time to stop before anyone goes onto the road. These are not hard problems to solve.

“Massive metal boxes” – ah, so you’re one of those car-hater types. Gotcha.

Fair enough. We could learn quite a bit from Germany, for example.

The day train travel, or any form of transit, becomes genuinely pleasant in Ontario, I will gladly use it quite often. I’d like to know why it is that in several European countries, seats are rotatable so you don’t have to awkwardly face strangers, but we don’t have that. Or why our trains are painfully slow by comparison.